AKC is the best pet insurance provider for Labrador Retrievers due to its strong customer satisfaction, comprehensive coverage options and competitive rates. Other top-rated options are Rainwalk, Lemonade and Pets Best.
Labrador Retriever Insurance
Updated: September 1, 2025
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Key Takeaways
AKC is the best pet insurance company for Labrador Retrievers, delivering strong coverage and service quality.
Lemonade offers the cheapest pet insurance rates for Labrador Retrievers, with average rates of around $41 monthly for standard protection.
Pet insurance for Labrador Retrievers costs $118 per month on average, making them the 65th most expensive dog breed to insure.
Best Labrador Retriever Pet Insurance Companies
| AKC | 4.25 | $59 | 3 | 1 |
| Rainwalk | 4.15 | $60 | 1 | 4 |
| Lemonade | 4.15 | $41 | 3 | 6 |
| Pets Best | 4.00 | $53 | 5 | 2 |
| Spot | 3.85 | $57 | 2 | 8 |
*Pet insurance coverage varies by state and provider. Rates shown are estimates; actual costs vary based on your pet's age, health and location. Coverage exclusions and waiting periods apply. Consult individual providers for specific terms.
AKC
Best for Labrador Retrievers
MoneyGeek Rating
4.3/ of 5
3.9/5Affordability
4.4/5Customer Experience
5/5Coverage Options
Average Monthly Rate
$59Overall Sentiment
86% positiveMaximum Annual Limit
$10,000Most Unique Coverage Inclusion or Add-on
Covers pre-existing conditions
Best Labrador Retriever Pet Insurance by State
AKC leads pet insurance for Labrador Retrievers in 49 states nationwide. Rainwalk holds the top spot in 6 states, ranking best in Illinois, Michigan and Virginia.
| Alabama | AKC | 4.25 |
| Alabama | Rainwalk | 4.25 |
| Alaska | AKC | 4.25 |
| Arizona | AKC | 4.25 |
| Arkansas | AKC | 4.35 |
| California | AKC | 4.30 |
| Colorado | AKC | 4.30 |
| Connecticut | AKC | 4.30 |
| Delaware | AKC | 4.25 |
| Florida | AKC | 4.30 |
| Georgia | AKC | 4.25 |
| Hawaii | AKC | 4.25 |
| Idaho | AKC | 4.25 |
| Illinois | AKC | 4.25 |
| Illinois | Rainwalk | 4.25 |
| Indiana | AKC | 4.30 |
| Iowa | AKC | 4.25 |
| Kansas | AKC | 4.25 |
| Kansas | Rainwalk | 4.25 |
| Kentucky | AKC | 4.35 |
| Louisiana | AKC | 4.25 |
| Maine | AKC | 4.25 |
| Maryland | AKC | 4.20 |
| Massachusetts | AKC | 4.25 |
| Michigan | Rainwalk | 4.20 |
| Minnesota | AKC | 4.25 |
| Mississippi | AKC | 4.30 |
| Missouri | AKC | 4.25 |
| Montana | AKC | 4.30 |
| Nebraska | AKC | 4.25 |
| Nevada | AKC | 4.25 |
| New Hampshire | AKC | 4.25 |
| New Jersey | AKC | 4.25 |
| New Mexico | AKC | 4.35 |
| New York | AKC | 4.30 |
| North Carolina | AKC | 4.25 |
| North Dakota | AKC | 4.35 |
| Ohio | AKC | 4.25 |
| Oklahoma | AKC | 4.35 |
| Oregon | AKC | 4.30 |
| Pennsylvania | AKC | 4.30 |
| Rhode Island | AKC | 4.30 |
| South Carolina | AKC | 4.30 |
| South Dakota | AKC | 4.35 |
| Tennessee | AKC | 4.25 |
| Texas | AKC | 4.30 |
| Utah | AKC | 4.20 |
| Utah | Rainwalk | 4.20 |
| Vermont | AKC | 4.30 |
| Virginia | Rainwalk | 4.20 |
| Virginia | AKC | 4.20 |
| Washington | AKC | 4.40 |
| West Virginia | AKC | 4.30 |
| Wisconsin | AKC | 4.20 |
| Wyoming | AKC | 4.30 |
*Rates are based on a 6-year-old Labrador Retriever with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Cheapest Labrador Retriever Pet Insurance Companies
Lemonade provides the most affordable pet insurance for Labrador Retrievers at $41 monthly or $487 annually. Our research shows other budget-friendly options include Pumpkin, ASPCA, Figo and Pets Best.
| Lemonade | $41 | $487 | 26% |
| Pumpkin | $46 | $548 | 17% |
| ASPCA | $48 | $580 | 12% |
| Figo | $52 | $624 | 5% |
| Pets Best | $53 | $643 | 2% |
*Rates are based on a 6-year-old Labrador Retriever with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
Lemonade
Cheapest Pet Insurance for Labrador Retrievers
MoneyGeek Rating
4.2/ of 5
4.4/5Affordability
4.4/5Customer Experience
3.3/5Coverage Options
Average Monthly Rate
$41Overall Customer Sentiment
65% positiveMaximum Annual Limit
$100,000Most Unique Coverage Inclusion or Add-on
End-of-life and memorial coverage
Cheapest Labrador Retriever Pet Insurance by State
Lemonade leads as the most budget-friendly pet insurance provider for Labrador Retrievers, offering the lowest rates in 50 states. Monthly premiums range from $27 to $52, depending on your location.
| Alabama | Lemonade | $30 | 30% |
| Alaska | Lemonade | $40 | 27% |
| Arizona | Lemonade | $49 | 24% |
| Arkansas | Lemonade | $27 | 29% |
| California | Lemonade | $51 | 21% |
| Colorado | Lemonade | $51 | 24% |
| Connecticut | Lemonade | $46 | 25% |
| Delaware | Lemonade | $41 | 27% |
| Florida | Lemonade | $46 | 25% |
| Georgia | Lemonade | $37 | 24% |
| Hawaii | Lemonade | $41 | 27% |
| Idaho | Lemonade | $41 | 25% |
| Illinois | Lemonade | $50 | 23% |
| Indiana | Lemonade | $37 | 24% |
| Iowa | Lemonade | $34 | 27% |
| Kansas | Lemonade | $37 | 26% |
| Kentucky | Lemonade | $32 | 30% |
| Louisiana | Lemonade | $33 | 28% |
| Maine | Lemonade | $49 | 26% |
| Maryland | Lemonade | $40 | 32% |
| Massachusetts | Lemonade | $52 | 24% |
| Michigan | Lemonade | $41 | 26% |
| Minnesota | Lemonade | $42 | 24% |
| Mississippi | Lemonade | $35 | 27% |
| Missouri | Lemonade | $32 | 27% |
| Montana | Lemonade | $34 | 27% |
| Nebraska | Lemonade | $37 | 26% |
| Nevada | Lemonade | $42 | 25% |
| New Hampshire | Lemonade | $47 | 24% |
| New Jersey | Lemonade | $46 | 24% |
| New Mexico | Lemonade | $36 | 27% |
| New York | Lemonade | $44 | 25% |
| North Carolina | Lemonade | $36 | 28% |
| North Dakota | Lemonade | $31 | 27% |
| Ohio | Lemonade | $37 | 28% |
| Oklahoma | Lemonade | $34 | 27% |
| Oregon | Lemonade | $50 | 24% |
| Pennsylvania | Lemonade | $42 | 26% |
| Rhode Island | Lemonade | $35 | 27% |
| South Carolina | Lemonade | $40 | 22% |
| South Dakota | Lemonade | $36 | 28% |
| Tennessee | Lemonade | $38 | 25% |
| Texas | Lemonade | $43 | 24% |
| Utah | Lemonade | $39 | 27% |
| Vermont | Lemonade | $38 | 27% |
| Virginia | Lemonade | $43 | 27% |
| Washington | Lemonade | $47 | 28% |
| West Virginia | Lemonade | $35 | 26% |
| Wisconsin | Lemonade | $44 | 27% |
| Wyoming | Lemonade | $38 | 25% |
*Rates are based on a 6-year-old Labrador Retriever with a $5,000 annual limit, $500 deductible and 80% reimbursement. Your rates will differ based on your pet's specific profile and location.
How Much Does Labrador Retriever Insurance Cost?
Monthly pet insurance premiums for Labrador Retrievers range from $80 to $153 across the U.S., ranking as the 65th most expensive breed to insure. Your actual cost depends on your location, coverage choices and pet's specific needs.
| Alabama | $89 | $1,066 | -25% |
| Alaska | $116 | $1,399 | -1% |
| Arizona | $141 | $1,689 | 19% |
| Arkansas | $80 | $958 | -32% |
| California | $146 | $1,756 | 24% |
| Colorado | $148 | $1,772 | 25% |
| Connecticut | $135 | $1,620 | 14% |
| Delaware | $119 | $1,435 | 1% |
| Florida | $134 | $1,610 | 14% |
| Georgia | $105 | $1,259 | -11% |
| Hawaii | $120 | $1,445 | 2% |
| Idaho | $118 | $1,412 | -0% |
| Illinois | $144 | $1,734 | 23% |
| Indiana | $106 | $1,278 | -10% |
| Iowa | $98 | $1,173 | -17% |
| Kansas | $107 | $1,287 | -9% |
| Kentucky | $94 | $1,132 | -20% |
| Louisiana | $95 | $1,144 | -19% |
| Maine | $142 | $1,711 | 21% |
| Maryland | $123 | $1,473 | 4% |
| Massachusetts | $153 | $1,834 | 30% |
| Michigan | $119 | $1,424 | 1% |
| Minnesota | $121 | $1,451 | 3% |
| Mississippi | $102 | $1,220 | -14% |
| Missouri | $93 | $1,121 | -21% |
| Montana | $100 | $1,202 | -15% |
| Nebraska | $106 | $1,270 | -10% |
| Nevada | $120 | $1,444 | 2% |
| New Hampshire | $136 | $1,628 | 15% |
| New Jersey | $132 | $1,586 | 12% |
| New Mexico | $104 | $1,246 | -12% |
| New York | $129 | $1,547 | 9% |
| North Carolina | $107 | $1,280 | -9% |
| North Dakota | $91 | $1,094 | -23% |
| Ohio | $110 | $1,317 | -7% |
| Oklahoma | $99 | $1,185 | -16% |
| Oregon | $146 | $1,758 | 24% |
| Pennsylvania | $124 | $1,486 | 5% |
| Rhode Island | $104 | $1,250 | -12% |
| South Carolina | $116 | $1,391 | -2% |
| South Dakota | $106 | $1,268 | -10% |
| Tennessee | $109 | $1,304 | -8% |
| Texas | $122 | $1,461 | 3% |
| Utah | $114 | $1,371 | -3% |
| Vermont | $110 | $1,319 | -7% |
| Virginia | $129 | $1,544 | 9% |
| Washington | $136 | $1,637 | 16% |
| West Virginia | $101 | $1,217 | -14% |
| Wisconsin | $127 | $1,526 | 8% |
| Wyoming | $108 | $1,304 | -8% |
*The rates include all coverage selections on the market for a 6-year-old Labrador Retriever. Your rates will differ based on your pet's specific profile and location.
What Factors Affect Labrador Retriever Insurance Costs?
Labrador Retrievers rank 65th in pet insurance costs, with average monthly premiums of $118. Breed-specific health factors drive these higher rates, but practical strategies can help manage your Lab's insurance costs while maintaining quality coverage.
Health Predispositions
Potential Vet Costs: $2,500 to $15,000
Labrador Retrievers face breed-specific health challenges that insurers consider high-risk conditions. Hip dysplasia requires surgical intervention, costing thousands. Labrador Retrievers are also prone to exercise-induced collapse, progressive retinal atrophy and elbow dysplasia. These genetic conditions increase lifetime veterinary expenses and impact insurance coverage options.
Size-Related Factors
Potential Vet Cost Increase: 30% to 50% higher vet costs
Large breed dogs weighing 55 to 80 pounds require larger medication doses and more anesthesia during procedures. Labrador Retrievers need specialized equipment and extended recovery periods after surgeries or injuries. Physical therapy and mobility aids like support slings add substantial costs to medical care.
Lifespan Considerations
Annual Vet Costs By Age: $700 to $1,500 (Young) to $2,000 to $3,500 (Senior)
Labrador Retrievers live 10 to 12 years, relatively short compared to smaller breeds. Their accelerated aging means age-related conditions often develop earlier. Senior Labs frequently need more extensive medical care, including regular blood work, joint supplements and management of chronic conditions.
Behavioral and Activity Risks
Potential Vet Costs: $1,500 to $8,000
Energetic Labrador Retrievers face increased risks of sports injuries, such as cruciate ligament tears and muscle strains. Their high activity levels and enthusiastic play can lead to accidental injuries. These activity-related risks influence both medical coverage needs and liability considerations.
Breeding-Related Issues
Potential Vet Costs: $3,000 to $12,000
Increased demand has led to breeding practices overlooking genetic health testing in Labrador Retrievers. This trend elevates inherited conditions like exercise-induced collapse and eye problems. Choosing puppies from health-tested parents significantly reduces future medical expenses and improves insurance coverage options.
While Labradors share common health traits, your dog's unique health profile matters most when choosing insurance. Consider both your budget and your pet's specific medical needs. Your vet can help identify potential health risks for your Labrador.
INSURANCE RISK PREVENTION
Protect your Labrador Retriever's health by maintaining a healthy weight through portion control and daily exercise. Choose a breeder who screens for genetic conditions like hip dysplasia. Schedule regular vet checkups to catch issues early, and consider pet insurance that averages $55 monthly to manage care costs. A consistent exercise routine of daily walks helps prevent joint problems and supports overall wellness.
How to Get the Best Cheap Labrador Retriever Pet Insurance
Finding affordable Labrador Retriever insurance takes some research, but these steps make it easier.
- 1
Evaluate Your Coverage Options
Labradors face specific health risks like hip problems that can be expensive to treat. Review pet insurance coverage options to decide if accident-only or comprehensive coverage better fits your needs and budget.
- 2
Compare Insurance Companies
Look up several pet insurance providers and their typical rates for Labradors. Pay attention to customer reviews and how quickly they process claims.
- 3
Review Policy Details
Check waiting periods before coverage starts and any breed-specific exclusions. Get sample policies from different companies to understand exactly what they will and won't cover.
- 4
Get Multiple Price Quotes
Request quotes from at least three different insurance companies. Prices can vary by hundreds of dollars for the same coverage level.
- 5
Check Rates Yearly
Don't automatically renew your policy each year. Shop around for new quotes and review your coverage needs as your Lab ages.
Labrador Retriever Dog Insurance: Bottom Line
AKC is the best pet insurance provider for Labrador Retrievers, while Lemonade offers the lowest monthly premiums. Both companies earn high marks for customer experience, with AKC leading in coverage quality. Compare these insurers and other trusted providers to find coverage matching your Lab's health needs and budget. The right policy ensures your furry family member gets quality care when health issues arise.
Pet Insurance for Labrador Retriever: FAQ
Below are our expert answers to frequently asked questions about Labrador Retriever insurance:
What is the best pet insurance provider for Labrador Retrievers overall?
AKC offers the best insurance coverage for Labrador Retrievers, featuring comprehensive protection and exceptional customer service. Though premiums run higher than average, the extensive coverage and reliable claims process make it a worthwhile investment.
Who offers the cheapest pet insurance for Labrador Retrievers?
Lemonade provides the most affordable pet insurance for Labrador Retrievers, with monthly premiums starting at $41 for standard coverage. Final rates will vary depending on your location, pet's age, and specific coverage needs.
How much does Labrador Retriever insurance cost?
Labrador Retrievers rank as the 65th most expensive breed to insure, with average monthly premiums of $118. Monthly insurance costs vary significantly by location, ranging from $80 to $153.
What are the most common accident and illness risks for Labrador Retrievers?
Labrador Retrievers commonly face hip and elbow dysplasia, which causes joint pain and limited mobility, along with exercise-induced collapse affecting muscle coordination during activity, and progressive retinal atrophy leading to vision loss. These health risks are primarily linked to the breed's genetic makeup and large-framed structure.
How We Found the Best and Cheapest Labrador Retriever Insurance
We analyzed pricing for all coverage levels, breeds and ages within all 50 states to find the best and cheapest pet insurance for Labrador Retrievers. We also researched clinical vet statistics for the breed, customer satisfaction for all companies and coverage contract details to tailor our suggestions specifically for Labrador Retrievers.
How We Determined Costs
All costs presented in this article for providers were modeled after the following base profile:
- 6-year-old Labrador Retriever
- $5,000 annual limit
- $500 deductible
- 80% reimbursement
Average costs provided were based on aggregated pricing for the breed for all coverage selections and all ages insured on the market within reasonable life expectancy limits.
How We Rated Each Provider
We analyzed online sources for comprehensive ratings based on the following basic metrics:
- Affordability (50% of score): This score aggregates ratings based on the relative affordability compared to competition for all profiles and all factor combinations. We also factored in discounts as a minor component to the rating, as there's only slight variation between companies.
- Customer Experience (30% of score): We used ratings derived from a general sentiment rating aggregated from all internet sources, determining positive, neutral and negative sentiment proportions for each company to get this score. More positive sentiment means a higher rating.
- Coverage (20% of score): We read all contract details for every provider in every state, considering add-on options, inclusions, exclusions and restrictions to derive this score. Pet insurance regulations vary widely by state, and coverage options may differ based on your location.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.